Independent Adjuster
Definition:
An adjuster hired by the insurance company but not employed directly by it.
Explanation:
Independent adjusters work as contractors, typically handling claims during busy periods or in catastrophe situations. They still represent the insurer’s interests, not the homeowner’s.
Example:
After a hurricane, your insurer may send an independent adjuster to inspect your home when staff adjusters are unavailable.
Why it matters:
This term affects how claims are handled and what payout a homeowner may receive.